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ICICI Bank credit cards: 23 you can apply for

The best one for most people is Emirates Skywards ICICI Bank Emeralde.

₹12,600a year after fees, at ₹75,000 a month

It pays back the most of the 21 ICICI Bank cards open to apply that we can value.

Rank all 23 at your own spend in the card finder

Verified 4 sources

Points and where they go

ICICI Bank's main points currency is ICICI Reward Points, worth ₹1.00 a point: 2 airline and hotel programmes take them. Its cards earn 8 kinds of points in all.

What ICICI Bank cards earn
ProgrammeWorth a pointCardsPartners
ICICI Reward Points₹1.00252
MakeMyTrip myCash₹1.003none
Emirates Skywardsevery way to earn them ₹0.903none
Adani Reward Points₹1.002none
Amazon Pay balance₹1.001none
PAYBACK Points (now Zillion Coins)₹0.2519none
InterMiles₹0.203none
Avios (BA / Qatar / Finnair)every way to earn them ₹1.002none

2 more cards pay cash back. Values are what we think a point is worth in India.

Every ICICI Bank transfer partner 11 routes
ICICI Reward Points: where they transfer
Transfer toRatioOne point becomesTime
Air India Maharaja Club1:1₹1.005 working days
iShop travel portal1:1₹1.00not published

Ratios read ICICI Reward Points : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

Emirates Skywards: where they transfer
Transfer toRatioOne point becomesTime
Marriott BonvoyEmirates Skywards is itself a programme: a move between programmes 3:2₹0.33~48 hours

Ratios read Emirates Skywards : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

Avios (BA / Qatar / Finnair): where they transfer
Transfer toRatioOne point becomesTime
Club Iberia Plus (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes 1:1₹1.00instant
Qatar Airways Privilege Club (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes 1:1₹1.00instant
Finnair Plus (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes 1:1₹1.00instant
Aer Lingus AerClub (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes 1:1₹1.00instant
Vueling Club (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes 1:1₹1.00instant
Loganair Loyalty (Avios)Avios (BA / Qatar / Finnair) is itself a programme: a move between programmes 1:1₹1.00instant
ALL - Accor Live LimitlessAvios (BA / Qatar / Finnair) is itself a programme: a move between programmes 7:2₹0.61not published
Marriott BonvoyAvios (BA / Qatar / Finnair) is itself a programme: a move between programmes 2:1₹0.25within 8 weeks

Ratios read Avios (BA / Qatar / Finnair) : the partner's points. One point becomes = what it is worth once it lands, at our value for the partner.

Compare every route, including longer ones through other programmes

Recent changes

All 16 ICICI Bank changes since 2019

All 101 ICICI Bank cards

Fees run ₹0 to ₹1,75,000, and 16 of them are genuinely free for life; 3 charge nothing a year but a joining fee to get in. We cannot value 57 of them: ICICI Bank publishes no fee or no earn table for those cards, so they are listed as "Not valued". Each card shows what it pays back a year after its fee at ₹75,000 a month, and our verdict: 34 keep, 22 downgrade, 45 cancel.

Open to apply 23

  2. ICICI Times Black credit card

    ICICI Times Black

    ₹16,900 a year, after fees

    ₹20,000 fee · Lounges in India and abroad · 1.49% forex markup · Reward rate 2%–2.5%

    Ranked lower: includes ₹20,000 in vouchers

    Keep

  3. MakeMyTrip ICICI Bank credit card

    MakeMyTrip ICICI Bank

    ₹8,100 a year, after fees

    ₹999 fee · Lounges in India and abroad · 0.99% forex markup · Reward rate 1%–6%

    Ranked lower: includes points worth full value only in one app

    Keep

  6. ICICI Bank Parakram Select credit card

    ICICI Bank Parakram Select

    ₹4,100 a year, after fees

    ₹0 fee · Lounges in India and abroad · 1 transfer partner · Reward rate 0.5%–2.5%

    Ranked higher: its bonus category adds ₹3,600 a year

    Keep

  7. ICICI Bank Parakram

    ₹2,000 a year, after fees

    ₹0 fee · Lounges in India · 1 transfer partner · Reward rate 0.3%–1.3%

    Ranked higher: its bonus category adds ₹1,800 a year

    Keep

  8. MakeMyTrip ICICI Bank Platinum

    ₹5,200 a year, after fees

    ₹500 joining · Lounges in India · Reward rate 0.5%–1.5%

    Ranked lower: includes points worth full value only in one app

    Keep

15 more open to apply by value

  2. ICICI Bank HPCL Super Saver

    ₹4,200 a year, after fees

    ₹500 fee · Lounges in India · 1 transfer partner · Reward rate 0.5%–5%

    Ranked higher: its bonus category adds ₹2,000 a year

    Downgrade

  3. ICICI Sapphiro credit card

    ICICI Sapphiro

    ₹7,000 a year, after fees

    ₹6,500 joining + ₹3,500/yr · Lounges in India and abroad · 1 transfer partner · Reward rate 0.5%–1%

    Downgrade

  4. ICICI Bank Rubyx credit card

    ICICI Bank Rubyx

    ₹6,600 a year, after fees

    ₹3,000 joining + ₹2,000/yr · Lounges in India · 1 transfer partner · Reward rate 0.5%–1%

    Downgrade

  5. ICICI Bank Rubyx against FD

    ₹6,600 a year, after fees

    ₹3,000 joining + ₹2,000/yr · Lounges in India · 1 transfer partner · Reward rate 0.5%–1%

    Downgrade

  6. ICICI Bank Expressions

    ₹5,900 a year, after fees

    ₹499 fee · Lounges in India · 1 transfer partner · Reward rate 0.8%

    Downgrade

  7. ICICI Bank Coral

    ₹6,000 a year, after fees

    ₹500 fee · Lounges in India · 1 transfer partner · Reward rate 0.5%

    Ranked lower: includes ₹2,000 in vouchers

    Downgrade

  8. ICICI Bank Coral against FD

    ₹6,000 a year, after fees

    ₹500 fee · Lounges in India · 1 transfer partner · Reward rate 0.5%

    Ranked lower: includes ₹2,000 in vouchers

    Downgrade

  9. ICICI Bank NRI Sapphiro

    ₹4,000 a year, after fees

    ₹6,500 joining + ₹3,500/yr · Lounges in India · 1 transfer partner · Reward rate 0.5%–1%

    Downgrade

  10. ICICI Bank NRI Coral

    ₹4,000 a year, after fees

    ₹1,000 joining + ₹500/yr · Lounges in India · 1 transfer partner · Reward rate 0.5%

    Downgrade

  11. Adani One ICICI Bank Signature credit card

    Adani One ICICI Bank Signature

    ₹11,800 a year, after fees

    ₹5,000 fee · Lounges in India and abroad · Reward rate 1.5%–7%

    Ranked lower: includes points worth full value only in one app

    Downgrade

  12. Adani One ICICI Bank Platinum

    ₹8,000 a year, after fees

    ₹750 fee · Lounges in India · Reward rate 1%–3%

    Ranked lower: includes points worth full value only in one app

    Downgrade

  13. ICICI Bank Emeralde

    −₹4,200 a year, after fees

    ₹12,000 fee · Lounges in India and abroad · 2% forex markup · Reward rate 1%

    Downgrade

  15. ICICI Bank Alumni

    Not valued fee or rewards not published

    ₹0 fee · Lounges in India

    Keep

Invite only 6

  1. Amazon Pay ICICI Bank credit card

    Amazon Pay ICICI Bank

    ₹7,600 a year, after fees

    ₹0 fee · 1.99% forex markup · Reward rate 1%–5%

    Ranked higher: its bonus category adds ₹3,600 a year

    Keep Invite only

  2. ICICI Emeralde Private Metal credit card

    ICICI Emeralde Private Metal

    ₹31,400 a year, after fees

    ₹12,499 fee · Lounges in India and abroad · 2% forex markup · Reward rate 3%–36%

    Ranked higher: its bonus category adds ₹13,500 a year

    Keep Invite only

  3. 1838 Reserve ICICI Bank Credit Card

    −₹1,48,000 a year, after fees

    ₹1,75,000 fee · No forex markup · 1 transfer partner · Reward rate 3%

    Keep Invite only

  4. ICICI Diamant World

    Not valued fee or rewards not published

    ₹1,25,000 joining + ₹10,000/yr

    Keep Invite only

  5. ICICI Emeralde Private

    Not valued fee or rewards not published

    ₹12,000 fee

    Keep Invite only

Not confirmed on sale 1 card
Business cards 13 cards

  3. ICICI Bank Business Ascent Amex

    ₹3,400 a year, after fees

    ₹2,000 joining + ₹1,500/yr · Lounges in India · 1 transfer partner · Reward rate 0.4%–0.5%

    Keep

  4. ICICI Bank Business Essential Amex

    ₹1,100 a year, after fees

    ₹1,000 fee · 1 transfer partner · Reward rate 0.1%–0.5%

    Ranked higher: its bonus category adds ₹1,000 a year

    Keep

  5. ICICI Bank Corporate Platinum

    ₹1,300 a year, after fees

    ₹999 fee · Lounges in India and abroad · 1 transfer partner · Reward rate 0.3%

    Keep

  6. ICICI Bank Gold Business Card

    ₹1,100 a year, after fees

    ₹0 fee · 1 transfer partner · Reward rate 0.1%–0.3%

    Keep

  7. ICICI Bank Corporate Gold

    ₹1,100 a year, after fees

    ₹0 fee · 1 transfer partner · Reward rate 0.1%

    Keep

  8. ICICI Bank Platinum Business Card

    ₹100 a year, after fees

    ₹999 fee · Lounges in India · 1 transfer partner · Reward rate 0.1%–0.3%

    Keep

Closed or paused 58 cards

  1. MakeMyTrip ICICI Bank Signature

    ₹10,400 a year, after fees

    ₹2,500 joining · Lounges in India and abroad · Reward rate 0.6%–2%

    Ranked lower: includes ₹5,100 in vouchers

    Keep Closed

  2. Chennai Super Kings ICICI Bank

    ₹4,000 a year, after fees

    ₹500 fee · Lounges in India · 1 transfer partner · Reward rate 0.5%–2.5%

    Keep Closed

  7. ICICI Unifare Mumbai Metro

    ₹4,500 a year, after fees

    ₹299 fee · Reward rate 0.5%–1%

    Cancel Closed

  11. ICICI Bank HPCL Gold

    ₹1,800 a year, after fees

    ₹500 fee · Reward rate 0.3%

    Cancel Closed

  12. ICICI Bank HPCL Silver

    ₹1,800 a year, after fees

    ₹500 fee · Reward rate 0.3%

    Cancel Closed

  15. ICICI Signature

    Not valued fee or rewards not published

    ₹25,000 joining + ₹2,000/yr

    Downgrade Closed

  16. ICICI Ascent Amex

    Not valued fee or rewards not published

    ₹4,000 joining + ₹1,000/yr

    Downgrade Closed

  17. ICICI Platinum Identity

    Not valued fee or rewards not published

    ₹2,000 joining + ₹750/yr

    Downgrade Closed

  18. ICICI Unifare

    Not valued fee or rewards not published

    ₹299 fee

    Downgrade Closed

  19. Accelero ICICI

    Not valued fee or rewards not published

    ₹499 fee

    Downgrade Closed

  20. ICICI HPCL Platinum

    Not valued fee or rewards not published

    ₹199 fee

    Downgrade Closed

  23. ICICI Bank Ferrari Platinum

    Not valued fee or rewards not published

    Fee not published · Lounges in India

    Cancel Closed

  24. ICICI Bank Ferrari Signature

    Not valued fee or rewards not published

    Fee not published · Lounges in India

    Cancel Closed

  25. ICICI Bank Carbon

    Not valued fee or rewards not published

    ₹1,000 joining · Lounges in India

    Cancel Closed

  32. ICICI Bank Classic Business Card

    Not valued fee or rewards not published

    Fee not published · 1 transfer partner · Reward rate 0.1%

    Keep Closed

  36. ICICI Bank Central Gold

    Not valued fee or rewards not published

    Fee not published

    Cancel Closed

  37. ICICI Bank Future Gold

    Not valued fee or rewards not published

    Fee not published

    Cancel Closed

  38. ICICI Bank Future Silver

    Not valued fee or rewards not published

    Fee not published

    Cancel Closed

  39. ICICI Bank Airtel Gold

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%

    Cancel Closed

  40. ICICI Bank Airtel Silver

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%

    Cancel Closed

  41. ICICI Bank Indiatimes

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%

    Cancel Closed

  42. ICICI Bank Megamart

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%

    Cancel Closed

  43. ICICI Bank Sarovar Hotels

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%

    Cancel Closed

  45. ICICI Bank Amway

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%

    Cancel Closed

  46. ICICI Bank XBOX360

    Not valued fee or rewards not published

    Fee not published

    Cancel Closed

  47. ICICI Bank CESC Co-Branded

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%

    Cancel Closed

  49. ICICI Bank PRU Life

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%

    Cancel Closed

  50. ICICI Bank Federal Bank Gold

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%

    Cancel Closed

  55. ICICI Bank Preferred Gold

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%

    Cancel Closed

  56. ICICI Bank Preferred Silver

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.3%

    Cancel Closed

  57. ICICI Bank Titanium

    Not valued fee or rewards not published

    Fee not published · Reward rate 0.5%

    Cancel Closed

Filter ICICI Bank cards by fee, lounges or forex

Standard charges

The charges ICICI Bank words the same way on most of its cards, from each card's most important terms and conditions. A card that differs prints its own figure on its own page.

ICICI Bank's standard charges
ChargeWhat the bank saysOur readCards
Interest (APR)3.75%/mo (45%/yr)High22 of 29
Late payment feeNil <₹100; ₹100 (₹100–500); ₹500 (₹501–1,000); ₹600 (₹1,001–5,000); ₹750 (₹5,001–10,000); ₹900 (₹10,001–25,000); ₹1,100 (₹25,001–50,000); ₹1,300 (>₹50,000)17 of 27
Cash withdrawal fee2.5%, min ₹50020 of 27
Add-on card fee₹199 per supplementary card20 of 26
Over-limit fee2.5%, min ₹55022 of 25

Cards counts the ICICI Bank cards whose terms print this exact wording, out of those whose terms print the charge at all.

ICICI Bank in RBI's figures

Cards in force
1,98,33,265
16.0% of India's cards
Spent in August 2026
₹32,335 crore
70% of it online
Spend per card
₹16,303
a month, on average

Source: the Reserve Bank of India's monthly card statistics, August 2026. Every bank's figures

Sources

The ICICI Bank documents that state its fees and charges, and RBI's release. Each card's page lists its own sources too.

  1. Official MITC (last updated 2 Aug 2026) — ₹12,499 joining + ₹12,499 annual, fee reversal at ₹10,00,000; 2% forex mark-up read
  2. Official The card's own product page — ₹199 joining and annual reversed at ₹50,000, the 2.5% fuel cashback and its ₹100 monthly cap, the BookMyShow gate and a 3.5% forex markup read
  3. Official The card's own product page — Nil joining fee, Nil annual fee, 2 Reward Points per ₹100 on retail and 1 on utility and insurance, the HPCL fuel waiver and a 3.5% forex markup read
  4. Official Reserve Bank of India: ATM, Acceptance Infrastructure and Card Statistics for the Month of August 2026 read